Capital India Finance Limited
NSE: CIFL · Non Banking Financial Company (NBFC)
Snapshot
Unlock Capital India Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Capital India Finance Limited is a non-banking financial company (NBFC) that provides diverse lending solutions, including small business finance, equipment finance, and retail home loans. The company also operates through its subsidiaries, offering assisted payment services via RapiPay and retail foreign exchange products through RemitX.
Business Model
The company generates revenue through interest income on its diversified loan portfolio and service fees from its fintech and foreign exchange operations. It leverages its RapiPay and RemitX platforms to capture market share in the digital payments and retail forex sectors.
- Incorporation Year:1994
Growth Outlook
Growth is expected to be driven by the expansion of its retail home loan portfolio and the scaling of its digital payment solutions under the RapiPay brand. The company continues to focus on integrating its lending and fintech ecosystems to enhance customer acquisition.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its small business and retail loan portfolios, particularly during economic downturns.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India that may impact its operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the demand for credit products.
- Technological Disruption. The fintech and payment services segments face intense competition from established players and new digital entrants, requiring constant innovation.
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Key Metrics
REVENUE
₹531 Cr
TTM · consolidated
NET PROFIT
₹27 Cr
TTM · consolidated
EPS
₹0.99
TTM · consolidated
RETURN ON EQUITY
4.1%
TTM · consolidated
P/E
20.2x
Q1 FY27 · consolidated
NET PROFIT MARGIN
-7.5%
Q1 FY27 · consolidated
DEBT TO EQUITY
1.3%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Capital India Finance LimitedCIFL | ₹781 Cr | 20.18 | — | -11.4% | — | 4.1% | — | -40.0% |
Aryaman Financial Services LimitedARYAMAN | ₹760 Cr | 19.47 | — | -46.9% | — | 27.0% | — | -18.3% |
Yogi LtdYOGI | ₹736 Cr | 33.91 | — | — | — | 17.8% | — | -11.2% |
Laxmi India Finance LimitedLAXMIINDIA | ₹695 Cr | 12.02 | — | — | — | 12.1% | — | -19.6% |
India FinsecIFINSEC | ₹692 Cr | 18.39 | — | 19.1% | — | 17.8% | — | +55.9% |
Manba FinanceMANBA | ₹648 Cr | 13.27 | — | 31.7% | — | 12.6% | — | -7.1% |
As of Q1 FY27
Financials
Capital India Finance Limited
NSE: CIFL · Non Banking Financial Company (NBFC)
Snapshot
Unlock Capital India Finance Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Capital India Finance Limited is a non-banking financial company (NBFC) that provides diverse lending solutions, including small business finance, equipment finance, and retail home loans. The company also operates through its subsidiaries, offering assisted payment services via RapiPay and retail foreign exchange products through RemitX.
Business Model
The company generates revenue through interest income on its diversified loan portfolio and service fees from its fintech and foreign exchange operations. It leverages its RapiPay and RemitX platforms to capture market share in the digital payments and retail forex sectors.
- Incorporation Year:1994
Growth Outlook
Growth is expected to be driven by the expansion of its retail home loan portfolio and the scaling of its digital payment solutions under the RapiPay brand. The company continues to focus on integrating its lending and fintech ecosystems to enhance customer acquisition.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its small business and retail loan portfolios, particularly during economic downturns.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India that may impact its operational flexibility.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the demand for credit products.
- Technological Disruption. The fintech and payment services segments face intense competition from established players and new digital entrants, requiring constant innovation.
Start your research today
Unlock AI insights, financials, peers and live data on Capital India Finance Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹531 Cr
TTM · consolidated
NET PROFIT
₹27 Cr
TTM · consolidated
EPS
₹0.99
TTM · consolidated
RETURN ON EQUITY
4.1%
TTM · consolidated
P/E
20.2x
Q1 FY27 · consolidated
NET PROFIT MARGIN
-7.5%
Q1 FY27 · consolidated
DEBT TO EQUITY
1.3%
Q1 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27